In detail


Plan Risks

The Plan’s risks are set out below, please read them carefully:

  • There is no guarantee that the objectives of the Plan will be achieved.
  • The Plan invests into 20 shares listed on the FTSE100 and therefore you should ensure you are comfortable with making an investment of this type, in particular the level of investment risk you are taking
  • The income we pay you is reviewed yearly and can go down as well as up
  • We do not offer personal advice based on your circumstances. If you are unsure about the suitability of this investment please seek professional financial advice
  • We do not offer taxation advice. Taxation rules can change and any impact to you will depend on your individual circumstances
  • There are no cancellation rights to the Plan, meaning that once we make your investment you cannot cancel your Plan and will have to encash it if you wish to close your Plan, which may mean you receive back less than you invested
  • Your income from the plan may go down as well as up
  • The administration charge of 0.50% is charged against your initial investment amount. If the plan performs poorly, this charge will become proportionately larger compared to the value of your plan

General risks

  • The value of your investment can go down as well as up and is not guaranteed.
    Past performance is not a guide to future performance.
  • Investment into the Plan should be regarded as long term and you should not invest money that you may require in the short term.
  • You should remember that when you encash your Plan you may get back less than you invested. You should be able to afford any potential loss.
  • Unlike a bank or building society account where capital is guaranteed, the value of an investment can go down as well up and you may not get back the amount invested, particularly in the case of early encashment.
  • Shares can be illiquid and therefore we may not be able to sell your shares when you want us to. In this event we will sell them at the next available dealing point.
  • Interest rates may exceed the dividend yield of the companies forming your Investment Portfolio.
  • Inflation may be higher than the return on your investment and reduce what you could buy with your investments in the future.

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